Getting the best possible mortgages rates isn’t easy, but it can be done. Here’s what you need to know. What type of mortgage you’re going to get. - There are two different types of mortgages: fixed rate mortgages or adjustable rate mortgages. The former locks you into an interest rate that you’ll pay over the course of the loan’s term. The latter’s interest rate fluctuates, as you might expect, and they usually offer lower introductory rates. However, it’s important to really remember that the interest rate can and will change eventually later on. Whether you’re going to pay for points or not. - Points are basically upf